国际经验证明,个人住房贷款在3～8年后将进入违约高峰期。据此推测,今后几年,我国一些商业银行住房贷款的不良率将上升。其风险主要表现在以下几个方面:一是政策性风险。《关于人民法院民事执行中查封、扣押、冻结财产的规定》自2005年1月1日起开始施行。该司法解释规定,对被执 International experience shows that individual housing loans will enter the peak of default after 3 to 8 years. Therefore, it is speculated that in the next few years, the non-performing loan ratio of some commercial banks in China will rise. The risk is mainly reflected in the following aspects: First, policy-oriented risk. The Provisions on Sealing, Seizure and Freezing of Property in the Civil Enforcement of People’s Courts came into force on January 1, 2005. The judicial interpretation of the provisions of the subject